Roof Hail Damage Claim

If you have a FB prepare for war...

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No reason not to file if you have damage, don't file a claim before you have a respected roofer look at the home and confirm you have damage that would warrant roof replacement.

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I did and he says I do so I think I will.

Your insurance company will assign you an adjuster, if you believe you have hail damage, have your contractor meet the adjuster for the inspection. Don't go with the lowest quote, you will get two checks, the first check will be appx half the amount, the second check ( recoverable depreciation ) will be for the contractors invoice, minus the first check and your deductible. So the lower the quote the more the insurance company saves, not you. That's why they want you to get three quotes and go with lowest, but that's not required. Get a hand nailed roof system if you can, and make sure your contractor is licensed. I do it everyday.

Many times the homeowner believes that if they get a quote $2,000 cheaper than the adjusters estimate, that they will pocket the remaining money, therefore going with the lowest quote. It doesn't work like that, the insurance company saves that $2,000. Many times that's the difference in getting new heater vents etc. versus the low guy having to cut corners and just paint them. So don't go low and risk a shoddy job to save the insurance co. money, they are paying for it, get what you should.

Thanks for the advice, guys. Sounds pretty much like what this particular roofer said.

He asked to be there when the adjuster looks at it so he can make sure he covers everything.

I don't have a patio cover, and not sure of any soft metal damage. My roof is too steep for me to go up on... never will I be on my roof.

I went up there on my last house and knew I'd never do that again...

Hey wick,

With vehicles, long time ago I wrecked truck. My dad told me to get two estimates and go have it fixed- not even wait for adjuster cause they may say, "fix this, not that.."

I did and adjuster wasn't happy but didn't balk either. Dad was an atty and is no longer here but I was wondering if that would still float today?

I do property, no idea on vehicles and the answer will most probably change state to state and policy to policy...

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ETA: Oh, Farm Bureau.

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I have Farm Bureau and had hail damage on an 18yo roof. The adjuster came out, looked at the roof and I got a check for $7,500. I had zero problems.